How to Start Investing with Just $20

Hey! Got $20 and wondering if it’s even worth starting to invest? The answer is yes — you can start small and still make it count.

1. Know what you’re working with
$20 won’t make you rich overnight, but it’s enough to start learning, building good habits, and letting your money grow slowly over time.

2. Use beginner-friendly apps
There are apps that let you invest with just a few dollars: Robinhood or Acorns Check them out, do a little research, and pick one you feel comfortable with.

3. Buy fractional shares
You don’t need hundreds of dollars to own a piece of big companies like Apple or Amazon. Fractional shares let you invest $5, $10, or $50.

4. Try ETFs
ETFs are bundles of stocks. Instead of betting on one company, you invest in a group. It’s a safer way to start.

6. Keep learning
Investing is a long game. Read a little, watch videos, or follow creators who teach beginners. Every tiny step helps.

7. Invest in the S&P500 

8. Invest when it gets popular.

Example: Bitcoin became popular when Donald Trump became president because people saw it as a safe investment during uncertain times. It was high and I took that opportunity to buy Bitcoin. (This is not the same as investing in big movers! It was news that Bitcoin was going to go up, so I invested at that time.)

9. Start with little money 

It’s best to invest around $10 to $20 to begin with, not any higher. Starting with a small amount lets you learn how investing works without risking too much money. As you gain experience and confidence, you can gradually increase your investment. This approach helps you understand market ups and downs, practice patience, and build good habits for long-term growth.

10. You can copy popular traders

Some apps let you follow and copy trades from successful investors. This means you can learn from their strategies and make similar investments without needing a lot of experience. It’s a good way to start and see how trading works in real life while reducing the risk of making beginner mistakes.

11. Invest safely and don't make risks until you know you can

Always start carefully and don’t take big risks until you understand how investing works. Learn the market, practice with small amounts, and only increase your investments once you feel confident. This helps protect your money and builds good habits for long-term success.

DON’T PUT ALL YOUR MONEY IN STOCKS OR ASSETS THAT ARE RISING FAST BECAUSE THEY CAN DROP QUICKLY. IT’S SAFER TO INVEST IN THINGS THAT GROW STEADY OVER TIME.